Business management; business administration; subscriptions to a computer service for the insurance industry for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases; providing business risk assessment information to insurance carriers; providing referral services for building improvement, remodelling, and repair service providers; providing cost reduction services to insurance organizations and other payers of health care claims; providing and analyzing statistical health data to uncover and identify health care fraud and healthcare claims errors; business investigations in the field of fraud prevention; electronic data storage services for others.

Insurance; financial affairs; monetary affairs; real estate affairs; providing information about property and casualty insurance and underwriting risks, risk assessment and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; management of insurance information relating to changes in automobile insurance policies; insurance rating and insurance rating data services; providing insurance-to-value portfolio analysis to insurance companies and insurance policyholders; providing insurance appraisals and evaluations, insurance price quotations, insurance policy administration, and insurance administration and consultation; providing a database that contains investigation results and a glossary of technical terms regarding the loss, damage or theft of insured property for use by insurance companies; providing insurance repair, restoration and reconstruction estimates; providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; providing automated management, tracking, and monitoring of all stages of insurance claims handling; insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used in connection with the calculation of insurance policy premiums; performing insurance premium underwriting services for others; providing broker information for broker originators, lenders, hiring companies, employers and potential employers, and the general public; providing data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; providing insurance companies and other payers of health care claims prepayment cost reduction services by performing financial clinical analysis of suspect claims; providing data in the field of property/casualty insurance claims; providing an online cost-modelling database that improves the reliability of replacement cost estimates for structures used in the insurance field; providing insurance ratings information on insurable property via a website; providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes; providing insurance and financial information to identify revenue recovery opportunities, and quality problems and initiatives for health care insurance purposes; providing insurance and financial data to health care businesses, health care providers and others in the health care market; providing online computer data and databases of financial information, property valuation information and property reconstruction and repair cost information for insurance, cost estimation, construction, restoration and repair businesses; Consultancy (financial -); consultancy (insurance -); financial consultancy; financial information; information (financial -); information (insurance -); insurance consultancy; insurance information.

Building construction; repair; installation services; providing online computer data and databases of building construction and repair information for insurance, cost estimation, construction, restoration and repair businesses; providing building and construction costs and cost-estimating services; Building construction supervision; construction information; information (repair -); repair information.

Telecommunications; automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments.

Educational and training services for the insurance, insurance premium audit, law enforcement, real estate and mortgage, and fraud detection fields, and providing training manuals in connection therewith; providing online publications, bulletins and newsletters in the field of property/casualty insurance claims.

Providing temporary use of on-line non-downloadable software programs for use in analyzing property/casualty insurance loss information; providing temporary use of on-line non-downloadable software programs for use by lenders to review and analyze loan and loan service data, loan documents and collateral, and loan origination quality control to ensure compliance with a variety of federal, state and local mortgage lending laws, rules and regulations, to score loans and loan applications in real time, to help reduce repurchases, default, and delinquency costs, and to identify multiple social security numbers, invalid social security numbers, multiple name social security numbers and social security numbers of the deceased used by loan applicants; providing temporary use of on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; providing temporary use of on-line non-downloadable software programs for health care businesses, health care providers and others in the health care market, for analyzing, creating financial models of, and creating reports on, health care costs and cost-control, the financing of health care costs, managed care provider groups, self-insured employers, third party administrators, and the delivery of health care services, for targeting specific business problems in the health care field, to perform information and research services regarding the Medicare market, to reduce healthcare facility costs, and to validate claim submissions and detect, investigate, audit and manage fraudulent claims and over-payment of claims; providing temporary use of on-line non-downloadable software programs in the nature of a disease management calculator that helps clients understand their population's health care needs; providing temporary use of on-line non-downloadable software programs for accessing, storing, retrieving and updating drivers and motor vehicle records; providing temporary use of on-line non-downloadable software programs for managing workers compensation claims; providing temporary use of on-line non-downloadable software programs for use by the insurance industry to electronically pre-fill insurance applications with applicant information from existing databases; providing temporary use of on-line non-downloadable software programs for use in executing residential insurance and valuation calculations; providing temporary use of on-line non-downloadable software programs that is a spatial assessment software tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; providing temporary use of on-line non-downloadable software programs used to conduct insurance premium audits; providing temporary use of on-line non downloadable software programs for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; providing temporary use of on-line non-downloadable software programs for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; providing temporary use of on-line non-downloadable software programs to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; providing temporary use of on-line non-downloadable software programs used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; providing temporary use of on-line non-downloadable software programs to provide information to insurance companies and farmers concerning the risk of weather-related losses; providing temporary use of on-line non-downloadable software programs for accredited and licensed users of information used to protect against identity theft and to protect against the unauthorized disclosure of confidential and personally identifiable information; providing temporary use of on-line non-downloadable software programs for screening candidates for employment for criminal records and verification of education, credentials, and employments history; developing databases and investigative resources for use by law enforcement agencies to deter theft; recovering and analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery; providing on-line databases featuring weather-related catastrophic events; computer software information and design services; computer software maintenance, technical support and troubleshooting services; computer programming services; leasing computer software and computer programs; maintenance and enhancement of computers and computer software; development of software for others for use in analyzing, compiling and exploiting statistical health data; providing data conversion, data analysis and development of data reporting solutions in the healthcare and health insurance industry; consulting services related to data conversion, analysis and reporting in the healthcare and health insurance industry; application services provider featuring software for providing an online computer database that facilitates audits of insurance premiums; application services provider featuring software for providing a data management application and access to an on-line database in the field of low-income housing and low-income HUD, uploading of state and local housing grants, collection and compilation of data about low-income housing and low-income housing grant data for statistical analysis and report generation providing climate forecast information.

Providing health care information to identify revenue recovery opportunities, and quality problems and initiatives for insurance purposes; providing health care data to health care buisnesses, health care providers and others in the health care market.

Security services for the protection of property and individuals; personal and social services rendered by others to meet the needs of individuals; pre-employment background verification and screening services and automatic monitoring of active employees for criminal activity; information validation fraud detection and data integrity verification services for loan applications; providing online information about fire protection and fire ratings of local communities, including information about buildings and real property surveys and maps; licensing of computer software and computer programs; arbitration services in the insurance field; reviewing standards and practices of insurance carriers to ensure compliance with the patriot act and other statutory obligations related to national security; identity verification and validation services; reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; providing legal information, namely providing information on motor vehicle violations of drivers and policyholders to others; providing legal and property ownership information, namely providing data validation services to insurance companies, law enforcement agencies and equipment owners including providing data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; providing legal and property ownership information, namely providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property.

Business management; business administration; subscriptions to a computer service for the insurance industry for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases; providing business risk assessment information to insurance carriers; providing referral services for building improvement, remodelling, and repair service providers; providing cost reduction services to insurance organizations and other payers of health care claims; providing and analyzing statistical health data to uncover and identify health care fraud and healthcare claims errors; business investigations in the field of fraud prevention; electronic data storage services for others.

Insurance; financial affairs; monetary affairs; real estate affairs; providing information about property and casualty insurance and underwriting risks, risk assessment and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; management of insurance information relating to changes in automobile insurance policies; insurance rating and insurance rating data services; providing insurance-to-value portfolio analysis to insurance companies and insurance policyholders; providing insurance appraisals and evaluations, insurance price quotations, insurance policy administration, and insurance administration and consultation; providing a database that contains investigation results and a glossary of technical terms regarding the loss, damage or theft of insured property for use by insurance companies; providing insurance repair, restoration and reconstruction estimates; providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; providing automated management, tracking, and monitoring of all stages of insurance claims handling; insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used in connection with the calculation of insurance policy premiums; performing insurance premium underwriting services for others; providing broker information for broker originators, lenders, hiring companies, employers and potential employers, and the general public; providing data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; providing insurance companies and other payers of health care claims prepayment cost reduction services by performing financial clinical analysis of suspect claims; providing data in the field of property/casualty insurance claims; providing an online cost-modelling database that improves the reliability of replacement cost estimates for structures used in the insurance field; providing insurance ratings information on insurable property via a website; providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes; providing insurance and financial information to identify revenue recovery opportunities, and quality problems and initiatives for health care insurance purposes; providing insurance and financial data to health care businesses, health care providers and others in the health care market; providing online computer data and databases of financial information, property valuation information and property reconstruction and repair cost information for insurance, cost estimation, construction, restoration and repair businesses; consultancy (financial -); consultancy (insurance -); financial consultancy; financial information; information (financial -); information (insurance -); insurance consultancy; insurance information.

Building construction; repair; installation services; providing online computer data and databases of building construction and repair information for insurance, cost estimation, construction, restoration and repair businesses; providing building and construction costs and cost-estimating services; building construction supervision; construction information; information (repair -); repair information.

Telecommunications; automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments.

Educational and training services for the insurance, insurance premium audit, law enforcement, real estate and mortgage, and fraud detection fields, and providing training manuals in connection therewith; providing online publications, bulletins and newsletters in the field of property/casualty insurance claims.

Providing temporary use of on-line non-downloadable software programs for use in analyzing property/casualty insurance loss information; providing temporary use of on-line non-downloadable software programs for use by lenders to review and analyze loan and loan service data, loan documents and collateral, and loan origination quality control to ensure compliance with a variety of federal, state and local mortgage lending laws, rules and regulations, to score loans and loan applications in real time, to help reduce repurchases, default, and delinquency costs, and to identify multiple social security numbers, invalid social security numbers, multiple name social security numbers and social security numbers of the deceased used by loan applicants; providing temporary use of on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; providing temporary use of on-line non-downloadable software programs for health care businesses, health care providers and others in the health care market, for analyzing, creating financial models of, and creating reports on, health care costs and cost-control, the financing of health care costs, managed care provider groups, self-insured employers, third party administrators, and the delivery of health care services, for targeting specific business problems in the health care field, to perform information and research services regarding the Medicare market, to reduce healthcare facility costs, and to validate claim submissions and detect, investigate, audit and manage fraudulent claims and over-payment of claims; providing temporary use of on-line non-downloadable software programs in the nature of a disease management calculator that helps clients understand their population's health care needs; providing temporary use of on-line non-downloadable software programs for accessing, storing, retrieving and updating drivers and motor vehicle records; providing temporary use of on-line non-downloadable software programs for managing workers compensation claims; providing temporary use of on-line non-downloadable software programs for use by the insurance industry to electronically pre-fill insurance applications with applicant information from existing databases; providing temporary use of on-line non-downloadable software programs for use in executing residential insurance and valuation calculations; providing temporary use of on-line non-downloadable software programs that is a spatial assessment software tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; providing temporary use of on-line non-downloadable software programs used to conduct insurance premium audits; providing temporary use of on-line non downloadable software programs for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; providing temporary use of on-line non-downloadable software programs for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; providing temporary use of on-line non-downloadable software programs to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; providing temporary use of on-line non-downloadable software programs used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; providing temporary use of on-line non-downloadable software programs to provide information to insurance companies and farmers concerning the risk of weather-related losses; providing temporary use of on-line non-downloadable software programs for accredited and licensed users of information used to protect against identity theft and to protect against the unauthorized disclosure of confidential and personally identifiable information; providing temporary use of on-line non-downloadable software programs for screening candidates for employment for criminal records and verification of education, credentials, and employment history; developing databases and investigative resources for use by law enforcement agencies to deter theft; recovering and analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery; providing on-line databases featuring weather-related catastrophic events; computer software information and design services; computer software maintenance, technical support and troubleshooting services; computer programming services; leasing computer software and computer programs; maintenance and enhancement of computers and computer software; development of software for others for use in analyzing, compiling and exploiting statistical health data; providing data conversion, data analysis and development of data reporting solutions in the healthcare and health insurance industry; consulting services related to data conversion, analysis and reporting in the healthcare and health insurance industry; application services provider featuring software for providing an online computer database that facilitates audits of insurance premiums; application services provider featuring software for providing a data management application and access to an on-line database in the field of low-income housing and low-income HUD, uploading of state and local housing grants, collection and compilation of data about low-income housing and low-income housing grant data for statistical analysis and report generation providing climate forecast information.

Providing health care information to identify revenue recovery opportunities, and quality problems and initiatives for insurance purposes; providing health care data to health care businesses, health care providers and others in the health care market.

Security services for the protection of property and individuals; personal and social services rendered by others to meet the needs of individuals; pre-employment background verification and screening services and automatic monitoring of active employees for criminal activity; information validation fraud detection and data integrity verification services for loan applications; providing online information about fire protection and fire ratings of local communities, including information about buildings and real property surveys and maps; licensing of computer software and computer programs; arbitration services in the insurance field; reviewing standards and practices of insurance carriers to ensure compliance with the patriot act and other statutory obligations related to national security; identity verification and validation services; reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; providing legal information, namely providing information on motor vehicle violations of drivers and policyholders to others; providing legal and property ownership information, namely providing data validation services to insurance companies, law enforcement agencies and equipment owners including providing data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; providing legal and property ownership information, namely providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property.

Trade information in the field of insurance; consulting and advisory services in the fields of risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting; business investigations for fraud prevention; providing business marketing data to insurance businesses; compilation and analysis of business information for use in the insurance and financial industries; compilation and analysis of business information to assist in insurance claims management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; business management; business administration; providing business risk assessment information to insurance carriers; business investigations in the field of fraud prevention; providing databases and information to assist with auditing; advisory, consultancy and information services relating to all the aforesaid services.

Insurance; financial affairs; monetary affairs; real estate affairs; providing databases and information in the field of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; providing databases with information in the field of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; providing databases and information to assist with insurance underwriting, insurance claims review, analysis and processing, estimating, and analyzing loss information; providing information about insurance and insurance claims via a global computer network; insurance underwriting information services; insurance analysis services; providing insurance rating information about personal and commercial lines to insurers and rating vendors; insurance rating services and insurance rating data services; providing databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; risk management services; providing financial assessments of damage to insured property after a catastrophe; providing information and analytics on risk in specific geographic regions, weather events, other catastrophes, world events, and other loss events, and estimates of insured loss and actual insured loss resulting from such events; providing insurance and financial risk analysis information and information for investors relating to climate, environment, world events, and disaster risk management; providing risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; providing information and risk analysis for manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain in the field of climate, environment, world events, and disaster risk management; providing insurance policy language for others; consulting and information in the field of insurance; providing information and analytics regarding property locations and characteristics for purposes of insurance and risk assessment; providing information to assist with detection of insurance fraud; providing ratings information used to evaluate insurance and financial risk; consulting and advisory services in the fields of financial risk assessment, financial and investment analysis; providing electronic reports in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; advisory, consultancy and information services relating to all the aforesaid services.

Educational and training services; educational and training services for the insurance, insurance premium audit, law enforcement, real estate, mortgage and fraud detection fields, and providing training manuals in connection therewith; providing non-downloadable online electronic publications; providing online publications, bulletins and newsletters in the field of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; arranging and conducting business conferences; arranging and conducting business conferences for persons in the business of insurance and risk management; reporting services, namely, reporting on weather events, other catastrophes, world events, and other loss events and reporting on laws and regulations impacting the insurance and financial industries; advisory, consultancy and information services relating to all the aforesaid services.

Providing online non-downloadable software; providing online non-downloadable software for risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; providing non-downloadable software for accessing information on risk in specific geographic regions, catastrophic events, weather events, world events, and other loss events, and estimates of loss resulting from such events; providing online non-downloadable software for accessing information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; providing online non-downloadable software for accessing information on and analysis of laws, statutes, ordinances, regulations and standards and on compliance therewith, enforcement thereof, and risk related thereto; providing online non-downloadable software for insurance claims management and for providing insurance data; providing online non-downloadable software for use in insurance, insurance services, insurance claims review, analysis and processing, insurance underwriting, insurance rating information, and computing, estimating and analyzing insurance loss information; providing online non-downloadable software for providing information about insurance data and assisting with analysis of insurance information and detection of insurance fraud; providing online non-downloadable simulation software for the modeling of natural and man-made events; providing online non-downloadable catastrophe modeling software, weather modeling software, climate modeling software, loss modeling software, risk modeling software, software for estimating remodeling, rebuilding, and replacement costs for damaged structures, software for climate, environment and disaster risk management, and software for creating and viewing reports and maps; providing online non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events, other catastrophes, and world events; hosting online databases featuring information and analytics on risk in particular geographic regions, weather and natural hazards, weather-related events, other catastrophic events, world events, other loss events, estimates of insured loss and actual insured loss resulting from such events; hosting online databases featuring information and analytics on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; weather forecasting information services; consultancy services in the field of software; hosting of a website featuring information and analytics in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; computer software information and design services; computer software maintenance, technical support and troubleshooting services; computer programming services; leasing computer software and computer programs; maintenance and enhancement of computer software; design and development of software for others; electronic data storage services for others; providing databases and information to assist with computing; advisory, consultancy and information services relating to all the aforesaid services.

Security services for the protection of property and individuals; licensing of computer software and computer programs; arbitration services in the insurance field; reviewing standards and practices of insurance carriers to ensure compliance with statutory obligations related to national security; preparation of reports featuring information on and analysis of laws, statutes, ordinances, regulations and standards and on compliance therewith, enforcement thereof, and risk related thereto; providing on-line computer databases with information on laws, statutes, ordinances, regulations and standards and on compliance therewith and adoption and enforcement thereof, and risk related thereto; reviewing standards and practices to determine and evaluate compliance with and enforcement of laws, statutes, ordinances, regulations and standards, and analysis of risk related thereto; advisory, consultancy and information services relating to all the aforesaid services.

Professional business consultancy, business appraisals, business information, business investigations, business management and organization consultancy, business research, provision of business and commercial information, compilation of information into computer databases, compilation of statistics, all the aforesaid services relating to risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; economic forecasting, marketing research and marketing studies, publication of publicity texts and publicity agents, systemization of information into computer databases, provision of commercial intelligence, namely, providing business and market intelligence services, and business planning, all the aforesaid services relating to risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; professional business consultancy, business appraisals, business information, business investigations, business management and organization consultancy, business research, provision of business and commercial information, compilation of information into computer databases, compilation of statistics, all the aforesaid services relating to the energy, chemicals, metals, mining and commodities industries; economic forecasting, marketing research and marketing studies, publication of publicity texts and publicity agents, systemization of information into computer databases, provision of commercial intelligence, namely, providing business and market intelligence services, and business planning, all the aforesaid services relating to the energy, chemicals, metals, mining and commodities industries; trade information in the field of insurance; consulting and advisory services in the fields of risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting; business investigations for fraud prevention; providing business marketing data to insurance businesses; compilation and analysis of business information for use in the insurance and financial industries; compilation and analysis of business information to assist in insurance claims management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; business management; business administration; providing business risk assessment information to insurance carriers; business investigations in the field of fraud prevention; providing databases and information to assist with auditing; advisory, consultancy and information services relating to all the aforesaid services.

Insurance; financial affairs; monetary affairs; real estate affairs; providing databases and information in the field of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis, and asset valuation, and the ability to generate reports using the accessed data; providing databases with information in the field of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis, and asset valuation; providing databases and information to assist with insurance underwriting, insurance claims review, analysis and processing, estimating, and analyzing loss information; providing information about insurance and insurance claims via a global computer network; insurance underwriting information services; insurance analysis services; providing insurance rating information about personal and commercial lines to insurers and rating vendors; insurance rating services and insurance rating data services; providing databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; risk management services; providing financial assessments of damage to insured property after a catastrophe; providing information and analytics on risk in specific geographic regions, weather events, other catastrophes, world events, and other loss events, and estimates of insured loss and actual insured loss resulting from such events; providing insurance and financial risk analysis information and information for investors relating to climate, environment, world events, and disaster risk management; providing risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; providing information and risk analysis for manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain in the field of climate, environment, world events, and disaster risk management; providing insurance policy language for others; consulting and information in the field of insurance; providing information and analytics regarding property locations and characteristics for purposes of insurance and risk assessment;  providing ratings information used to evaluate insurance and financial risk; consulting and advisory services in the fields of financial risk assessment, financial and investment analysis; providing electronic reports in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; advisory, consultancy and information services relating to all the aforesaid services.

Educational and training services; educational and training services for the insurance, insurance premium audit, law enforcement, real estate, mortgage and fraud detection fields, and providing training manuals in connection therewith; education and training services in the field of strategic business planning, financial planning, business process planning and improvement, business management, commercial intelligence in the energy, chemicals, metals, mining and commodities industries, and providing training manuals in connection therewith; providing online publications, articles, reports, presentations, brochures, bulletins and newsletters in the fields of strategic business planning, financial planning, business process planning and improvement, business management, and commercial intelligence in the energy, chemicals, metals, mining and commodities industries; providing online publications, articles, reports, presentations, brochures, bulletins and newsletters in the fields of strategic business planning, financial planning, business process planning and improvement, business management, and commercial intelligence in the fields of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; arranging and conducting business conferences; arranging and conducting business conferences for persons in the business of insurance and risk management; reporting services, namely, reporting on weather events, other catastrophes, world events, and other loss events and reporting on laws and regulations impacting the insurance and financial industries; publication of books and online publication of electronic reports, books, and journals relating to strategic business planning, financial planning, business process planning and improvement, business management, commercial intelligence in the energy, chemicals, metals, mining and commodities industries, and in the fields of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; advisory, consultancy and information services relating to all the aforesaid services.

Providing online non-downloadable software; providing online non-downloadable software for risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; providing non-downloadable software for accessing information on risk in specific geographic regions, catastrophic events, weather events, world events, and other loss events, and estimates of loss resulting from such events; providing online non-downloadable software for accessing information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; providing online non-downloadable software for accessing information on and analysis of laws, statutes, ordinances, regulations and standards and on compliance therewith, enforcement thereof, and risk related thereto; providing online non-downloadable software for insurance claims management and for providing insurance data; providing online non-downloadable software for use in insurance, insurance services, insurance claims review, analysis and processing, insurance underwriting, insurance rating information, and computing, estimating and analyzing insurance loss information; providing online non-downloadable software for providing information about insurance data and assisting with analysis of insurance information and detection of insurance fraud; providing online non-downloadable simulation software for the modeling of natural and man-made events; providing online non-downloadable catastrophe modeling software, weather modeling software, climate modeling software, loss modeling software, risk modeling software, software for estimating remodeling, rebuilding, and replacement costs for damaged structures, software for climate, environment and disaster risk management, and software for creating and viewing reports and maps; providing online non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events, other catastrophes, and world events; hosting online databases featuring information and analytics on risk in particular geographic regions, weather and natural hazards, weather-related events, other catastrophic events, world events, other loss events, estimates of insured loss and actual insured loss resulting from such events; hosting online databases featuring information and analytics on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; weather forecasting information services; consultancy services in the field of software; hosting of a website featuring information and analytics in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; computer software information and design services; computer software maintenance, technical support and troubleshooting services; computer programming services; leasing computer software and computer programs; maintenance and enhancement of computer software; design and development of software for others; electronic data storage services for others; providing databases and information to assist with computing; scientific and technological services and research, namely, technical data analysis and modelling in the fields of energy, chemicals, metals and mining; industrial analysis and research services in the fields of energy, chemicals, metals and mining; analysis services for oil field exploration; analysis services for mining exploration; scientific research consultancy in the fields of energy, chemicals, metals and mining; geological research and surveying; land surveying; material testing; oil prospecting; oil field exploitation, namely, oil field exploration; oil field surveys; oil well testing; research in the field of environmental protection; scientific research in the energy, chemicals, metals, mining and commodities industries; advisory, consultancy and information services relating to all the aforesaid services.

Security services for the protection of property and individuals; licensing of computer software and computer programs; arbitration services in the insurance field; reviewing standards and practices of insurance carriers to ensure compliance with statutory obligations related to national security; preparation of reports featuring information on and analysis of laws, statutes, ordinances, regulations and standards and on compliance therewith, enforcement thereof, and risk related thereto; providing on-line computer databases with information on laws, statutes, ordinances, regulations and standards and on compliance therewith and adoption and enforcement thereof, and risk related thereto; reviewing standards and practices to determine and evaluate compliance with and enforcement of laws, statutes, ordinances, regulations and standards, and analysis of risk related thereto; providing information to assist with detection of insurance fraud; advisory, consultancy and information services relating to all the aforesaid services.